中国银行操作风险管理控制研究

发布时间：2018-04-05 02:30

本文选题：中国银行　切入点：操作风险　出处：《山东大学》2013年硕士论文

【摘要】：在金融行业中,风险管理是至关重要的一个环节,尤其是在银行的运作过程中,风险管理几乎涉及到各个方面。随着时代的快速发展,现代银行业务种类越来越多样化、复杂化,并且各种银行新产品和新业务的交叉,使其风险的作用机制也在不断的推陈出新。在信用风险、市场风险、操作风险相融合的环境下,商业银行面临的风险越来越复杂,越来越隐蔽。在银行众多的风险当中,操作风险逐渐成为了银行风险体系的核心,很大程度上制约着银行的进一步发展。操作风险管理作为完善银行管理机制的重要组成部分,其相关管理策略关系到银行自身发展的优劣,同时也关系到金融业的健康发展。特别是在全球经济一体化逐步的加深背景下,银行业面临的金融环境更加复杂。再加上,操作风险所带来的巨大损失,使得银行在操作风险管理上面临着越来越大的挑战。因此,银行如何在操作风险管理方面制定比较完善的策略,成为了银行业面临的重要课题之一。而银行若要加快自身的发展,实现稳健经营的目标,就必须加强各类风险的控制,尤其是银行操作风险管理控制更需要得到进一步的重视。虽然说,随着经济的快速发展,我国的金融市场得到了很大的进步,银行也完善了对各类风险的控制措施,但是在当今信息化、经济化和网络化为一体的背景下,银行操作风险管理控制仍然存在着很多的问题,进一步提高银行操作风险管理控制能力的任务仍需加强。对此,本文以中国银行股份有限公司的发展现状为研究对象,在相关理论知识的基础上,对中国银行股份有限公司操作风险管理的现状做进一步的探讨,并通过对发展现状的分析,从中找出现阶段中国银行股份有限公司操作风险管理过程中存在的一些问题,比如说,对操作风险管理认识不够深刻、操作风险管理与实际发展脱节、操作风险管理信息化进程缓慢等等；然后针对中国银行股份有限公司操作风险管理问题的存在,找出其存在的原因,即：操作风险管理意识淡薄、缺乏有效地内部监控机制、操作风险管理手段比较落后等等,最后针对这些存在的问题和原因,试图提出一些相对应的对策建议,主要包括：营造适宜的操作风险环境、加强银行内部控制建设、完善操作风险管理体系等,并希望这些建议的提出对中国银行股份有限公司在完善操作风险管理控制方面有一定的帮助,并对中国商业银行的操作风险管理起到借鉴作用,从而促进中国银行股份有限公司及中国银行业快速健康的发展。
[Abstract]:In the financial industry, risk management is a crucial link, especially in the operation of banks, risk management involves almost all aspects.With the rapid development of the times, the types of modern banking business are becoming more and more diversified and complicated, and all kinds of new products and new business cross, which makes the mechanism of risk function constantly new.In the environment of credit risk, market risk and operation risk, the risks faced by commercial banks are becoming more and more complex and hidden.Among the numerous risks of banks, operational risk has gradually become the core of the bank risk system, which restricts the further development of the bank to a great extent.As an important part of perfecting the bank management mechanism, operational risk management is related to the development of the bank itself and the healthy development of the financial industry.Especially in the context of the deepening of global economic integration, the banking industry is facing a more complex financial environment.Moreover, the huge losses caused by operational risk make banks face more and more challenges in operational risk management.Therefore, how to formulate more perfect strategies in the operational risk management has become one of the important issues facing the banking industry.If banks want to speed up their own development and realize the goal of stable operation, they must strengthen the control of all kinds of risks, especially the operational risk management of banks, which need to be paid more attention to.Although, with the rapid development of economy, the financial market of our country has made great progress, the banks have also perfected the control measures of various kinds of risks, but under the background of information, economy and networking,There are still many problems in the management and control of operational risk in banks, and the task of further improving the ability of operational risk management and control of banks still needs to be strengthened.In this paper, the development of Bank of China Co., Ltd. as the research object, on the basis of relevant theoretical knowledge of the Bank of China Co., Ltd. operational risk management status quo is further discussed.And through the analysis of the current situation of development, we can find out some problems in the process of operational risk management of Bank of China Co., Ltd., for example, we do not have a deep understanding of operational risk management.The operational risk management is out of touch with the actual development, the operational risk management information process is slow, and so on. Then, aiming at the existence of the operational risk management problem of Bank of China Co., Ltd., we find out the reasons for its existence.That is: weak awareness of operational risk management, lack of effective internal monitoring mechanism, operational risk management methods are relatively backward, and so on. Finally, in view of these problems and reasons, this paper tries to put forward some corresponding countermeasures and suggestions.Mainly include: to create a suitable operating risk environment, to strengthen the construction of internal control of banks, to improve the operational risk management system, and so on.It is hoped that these suggestions will be helpful to the Bank of China Co., Ltd. in perfecting the operational risk management and control, and will serve as a reference for the operational risk management of the commercial banks of China.In order to promote the Bank of China Co., Ltd. and the rapid and healthy development of the Chinese banking industry.
【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.33

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